Business loans

Need a business loan?

Growing, buying stock, hiring, fitting out or taking on a bigger job? Tell the application what the money's for and see what lenders on the panel may offer the business.

Check your optionsEstimate repayments

For businesses with an ABN, for business purposes only. Finance for personal, household or domestic purposes isn't offered through Circlestone.

What a business loan can cover

  • Growth and expansion – new sites, new staff, marketing
  • Stock and inventory ahead of a busy period
  • Fit-outs and renovations to business premises
  • Refinancing existing business debt
  • Paying a tax debt, where a lender allows it

Unsecured or secured?

Unsecured loans don't need an asset as security, so they're usually quicker to set up but often cost more. Secured loans use an asset – such as property or equipment – as security, which may lower the cost but puts that asset on the line. The lender will explain what applies to you.

Not a standard case? New ABN, patchy trading history, an ATO arrangement, lumpy income or been knocked back elsewhere? Before you apply, send us an email. A real person reads it, and we'll look at your situation and point you to the right partner or option. No promises, but we'll try to find a path.
Email us about your situationHow it works

What you'll be asked

Lenders match on a handful of facts about the business. Having these ready makes the application quicker:

  • How much you need and what it's for (the business purpose)
  • Your ABN and how long it's been active
  • Whether you're registered for GST
  • Roughly what the business turns over each year
  • For equipment or vehicles: what it is, new or used, dealer or private sale, and the price
  • When you need the money
  • Your credit history, and the directors' or owners' details and ID
  • Business bank statements – often linked digitally rather than uploaded

The exact questions come from the LoanOptions.ai application and may differ.

Straight up: Circlestone is a referrer. We don't provide credit assistance or credit advice, and we don't assess whether a loan suits you – LoanOptions.ai and its lenders do that under their own licences, subject to their own criteria, fees and terms. We may receive a referral fee from LoanOptions.ai if your finance settles. Any fees are set by LoanOptions.ai or the lender and shown to you before you sign. See How we get paid.

Check your business finance options

The application is on LoanOptions.ai's own site. Tell it you're after business loan for the business.

Apply via LoanOptions.ai

Applications are handled by our lending partner LoanOptions.ai, an Australian credit licensee (Australian Credit Licence 543631). Circlestone doesn't see or assess your application.

Business purposes only. Finance for personal, household or domestic purposes isn't offered through Circlestone.

Common questions

Can I get a business loan if my ABN is new?
Some lenders work with newer businesses, but many look for a minimum trading history, and options usually widen the longer you've been trading. The application will show what's available for your situation.
Can I use a business loan to pay an ATO debt?
Some lenders allow it and some don't. It's also worth talking to your accountant or tax agent about an ATO payment plan.
How much can I borrow?
It depends on the lender, your turnover, trading history, credit history and whether you offer security. We don't publish limits because they vary by lender.

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